What are company savings plans for?

Copie de webimage-384c8b60-16fb-4823-9aa0-78e2eb1f3a4d_edited.jpg

What are company savings plans for?

Company savings plans help you finance projects, prepare for retirement and share company profits.

Company savings plans are much more than an employee benefit. It is a concrete solution to address employees’ concerns at every stage of their lives, especially for retirement. The current average net pension for retirees in France is €1,512 per month*.

Company savings plans are composed of complementary products with different objectives and advantages:

The PEE plan finances projects on a 5-year horizon
The PER (Plan d'Epargne Retraite, company retirement savings plan) allows employees to savve and build an additional income to their basic retirement: the PERO (Plan d'Epargne Retraite Obligatoire, mandatory company retirement savings plan), PERECO (Plan d'Epargne Retraite Collectif, company collective retirement savings plan) and PERU (Plan d'Epargne Retraite Unique, combines the benefits from PERO and PERECO)
Specific products such as Article 82, Article 39.2, IFC (Indemnités de Fin de Carrière, end-of-career indemnities), and PRI (Plan de Retraite International, our custom international retirement plan)
Tax advantages and cases of early withdrawals depend on the products and under certain conditions

LEARN MORE ABOUT THE PRODUCTS

A lever to strengthen your employer brand

Implementing a company savings solution strengthens your competitiveness. You can set up one or several products to attract and retain talents.

Thanks to our proven and recognized solutions, we currently serve nearly 100,000 client companies and more than one million employees fully satisfied with our services. So, are your ready to join us?

*According to the latest data from DREES (“Retirees and Pensions – 2024 edition”), the current average net pension for retirees in France is €1,512 per month. And according to the Pension Advisory Council (COR), the replacement rate (ratio between the pension and the last salary) is expected to decrease from 75% for today’s retirees (for non-executives with a full career without penalty or bonus) to 66% for generations born after the year 2000. DREES stands for Directorate for Research, Studies, Evaluation, and Statistics. The Pension Advisory Council plays a central role in analyzing and monitoring the pension system.